Cleveland, OH · Charter 96787
NCUA · 1 branch
Q3 2024
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.05% | -1.03% | -0.96% | -3.35% | 0.19% | 0.53% | 0.50% | -3.34% | 0 bps | |
| Return on Equity | 0.27% | -6.04% | -5.41% | -18.52% | 1.02% | 2.25% | 2.05% | -14.14% | +438 bps | |
| Net Interest Margin | 1.39% | 1.68% | 1.82% | 2.02% | 2.27% | 3.44% | 3.30% | 3.49% | +147 bps | |
| Efficiency Ratio | 98.22% | 157.03% | 149.45% | 138.41% | 94.42% | 84.71% | 85.03% | 195.61% | +5,720 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.30% | -5.88% | -5.92% | -9.77% | -7.04% | -26.11% | -26.07% | -27.82% | -1,805 bps | |
| Loan Growth (YoY) | -5.41% | -8.88% | -27.85% | 15.79% | 71.90% | -21.68% | -21.94% | -61.67% | -7,746 bps | |
| Share Growth (YoY) | -13.63% | -7.26% | -7.35% | -11.39% | -7.77% | -32.46% | -31.43% | -32.24% | -2,086 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 12.52% | 13.98% | 15.46% | 9.98% | 0.00% | 0.00% | 0.00% | 0.00% | -998 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.33% | 17.10% | 17.72% | 18.08% | 18.69% | 23.38% | 24.21% | 23.66% | +558 bps | |
| Net Worth / Assets | 17.33% | 17.10% | 17.72% | 18.08% | 18.69% | 23.38% | 24.21% | 23.66% | +558 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 17.43% | 15.16% | 14.37% | 23.69% | 32.49% | 17.58% | 16.36% | 13.40% | -1,029 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |